Terms & Conditions | PZ GROUP FINANCIAL

Acceptance of Terms

By accessing or using the PZ GROUP FINANCIAL website and services, you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our website or services.

Services Overview

PZ GROUP FINANCIAL provides direct business lending services, including but not limited to working capital loans, revenue-based financing, equipment financing, commercial real estate financing, business expansion loans, and bridge financing. All funding products are subject to credit approval and underwriting criteria.

Eligibility

To apply for our services, you must:

Be at least 18 years of age
Have the legal authority to bind the business you represent
Operate a legitimate business entity
Provide accurate and complete information in your application

Application and Approval Process

Submitting an application does not guarantee approval or funding. All applications are subject to our underwriting process, which includes credit checks, business verification, and financial analysis. We reserve the right to approve, deny, or request additional information for any application.

Loan Terms and Conditions

Specific terms for approved financing, including interest rates, repayment schedules, fees, and collateral requirements, will be detailed in your loan agreement. You agree to review and accept these terms before funding is disbursed.

Representations and Warranties

By applying for financing, you represent and warrant that:

All information provided is accurate, complete, and not misleading
You have the authority to enter into a financing agreement
Your business is in good standing and compliant with all applicable laws
You will use the funds for legitimate business purposes

SMS Terms & Conditions

If you opt in to receive SMS or text messages from PZ GROUP FINANCIAL, the following terms apply:

Program Description: By providing your mobile phone number and opting in, you consent to receive recurring marketing and promotional SMS/MMS messages from PZ GROUP FINANCIAL about our financial products, services, offers, and updates. Messages may be sent using an automated telephone dialing system (ATDS).

Message Frequency: Message frequency varies. You may receive up to 4 messages per month.

Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan. Consult your carrier for pricing details.

Opt-Out Instructions: You can opt out at any time by replying STOP to any text message. After texting STOP, you will receive a confirmation message and will no longer receive messages from us.

Help: For assistance, reply HELP to any message or contact us at parmida@pzgroupfinancial.com.

Not a Condition: Consent to receive text messages is NOT a condition of purchase, use of services, or approval for financing.

Supported Carriers: Supported carriers include AT&T, Verizon Wireless, T-Mobile, Sprint, and other major carriers. Carriers are not liable for delayed or undelivered messages.

Privacy: We respect your privacy. Your mobile information will not be shared with third parties for their marketing purposes. See our Privacy Policy for more details.

Website Use

You agree to use our website only for lawful purposes and in accordance with these Terms. You may not:

Use the website in any way that violates applicable laws or regulations
Attempt to gain unauthorized access to our systems or networks
Transmit viruses, malware, or other harmful code
Interfere with the proper functioning of the website
Collect or harvest information about other users

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of PZ GROUP FINANCIAL and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Third-Party Links

Our website may contain links to third-party websites. We do not control and are not responsible for the content, privacy policies, or practices of any third-party sites.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or secure.

Limitation of Liability

To the fullest extent permitted by law, PZ GROUP FINANCIAL shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.

Indemnification

You agree to indemnify and hold harmless PZ GROUP FINANCIAL and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of your use of our services or violation of these Terms.

Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising out of or related to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Los Angeles County, California.

Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any applicable loan agreements, constitute the entire agreement between you and PZ GROUP FINANCIAL regarding your use of our website and services.

Contact Us

If you have questions about these Terms & Conditions, please contact us:

PZ GROUP FINANCIAL
21550 OXNARD ST STE 495
WOODLAND HLS, CA 91367
Email: parmida@pzgroupfinancial.com